Hail stones cause damage to many building surfaces. The most common surface damaged by hail is a structure’s roof. Hail related roof damage is not always obvious to the average person or property owner, but is always obvious to an insurance professional. They are trained to look for hail damage.
Unless you have a professional on your side when requesting the insurance company to evaluate or revaluate your claim, you are showing up to a gun fight with a knife. In other words, you will have very little chance of getting your hail claim covered.
Hail Damage Has Long Term Effects
Damage caused by hail does not always lead to immediate leaks, so you must have someone inspect your roof when you think you have hail damage because hail damage does not always immediately compromise the roof envelope or trigger leaks.
You Need An Independent Professional to Inspect Your Roof
Many property owners only call their insurance carrier to survey the roof for damage. This is strongly discouraged. Always hire your own independent roofing professional to survey the damage to your roof. Our office, at no charge, can direct you to a professional to survey the damage.
Why Hail Claims Are Denied
Insurance companies often deny hail claims by taking the position that there is no damage or there is insignificant damage. In the insurance world this is commonly referred to as “no structural damage” or “cosmetic only damage.” Insurance companies also decide the a few shingles can be replaced when in fact the industry standard would be to fully replace a roof. Improperly allowing only to repair a few shingles is one way an adjuster can create a claim that is under the deductible when in fact the entire roof should be replaced.
Hail Damage Has Lasting Effects
The repeated and rapid impacts caused by the hailstones weaken objects they have impacted. This damage reduces life of your roof and the value of your property. For example, asphalt shingles will lose their protective coating of gravel and this will encourage rapid deterioration of the shingle. Metal roofs suffer microscopic cracks that lead to premature corrosion. As such, hailstone impacts have a dramatic effect on the life of a roof. When you sell your property, a good property inspector will identify hail damage and they will point this out to potential buyers.
The Insurance Company Only Wants To Pay To Fix Part Of My Hail Damaged Roof And I Disagree. What Can I Do?
You must make a request for full payment in writing. Generally, it is extremely difficult to get an insurance company to change its position once a position has already been taken. Sometimes expert roofers or contractors can help sway the insurance company. Quite often a property owner is required to hire an attorney in the event the insurance company will not change its position. An insurance attorney will review how the claim was adjusted and pursue a breach of contract claim or a bad faith claim against the insurance carrier.
Hail Damages Just About Everything
Hail stones will damage just about anything in their path. Insurance companies, however, are generally quick to dismiss impacts to most building surfaces as merely cosmetic. This is not the case. We have found structural damage to the following types of building materials:
- Garage Doors,
- Air conditioners,
- Window and screens, and
- Pool Decks.
If your property was struck by hail and your insurance company has denied your claim, please contact our firm immediately for a complimentary, confidential review of your potential claim.